our professionals: INSURANCE SPECIALISTS
MEDICARE!!! ARE YOU
PULLING THE COVERS
OVER YOUR HEAD, AND
WANTING TO KNOW WHEN
THIS IS OVER!
Actually, this doesn’t have to be a
source of irritation for many Americans.
Allow us to try to take some of the
mystery out of this subject for you.
By J.B. Gross of J.B. Gross Insurance
78
WHEN DO I GET MEDICARE PART A and B?
Most Americans are eligible for Medicare Part A & B
cies are offered by insurance companies and help cover
when turning age 65. Medicare is also available to people expenses in or out of the hospital. Often these policies can
under age 65 with certain disabilities.
include Prescription Drug coverage. These plans are usually
HMO’s (Health Maintenance Organizations) or PPO’s
WHEN DO I SIGN UP FOR MEDICARE PART A and B?
(Preferred Provider Organizations). We can help you enroll
• MEDICARE PART A – this is automatic unless you
in a Medicare Advantage Plan.
decline or if you have not paid enough through wages.
Part D is the Prescription Drug Plan. These policies
• MEDICARE PART B – this can depend on a few
are offered by insurance companies with many to choose
circumstances---if you continue to work past age 65 you
from. We can help you enroll in the best plan to suit your
may not need Medicare Part B yet. If you are already
prescription needs.
collecting social security income, you will automatically
HERE ARE SOME WAYS WE HELP PEOPLE NAVIGATE
be enrolled for Part B. Medicare determines your Part
THIS PROCESS
B premium based on your income with a two year look
We provide instructions on how and where to enroll in
back.
Medicare Part A and B. Many people find the medicare.
If you are not collecting social security income you
gov website a good place to start. Once you receive your
can apply for Part B online or in person at the social
Medicare ID card, you are ready to take the next step.
security office.
Contact our office, there are many options we can offer
So, the effective date for Part A is usually the first of
to you.
the month in which you turn 65. However, there are
Knowing the Providers/Doctors you use and the medi-
many rules and situations that can impact your effec-
cations you are taking, will help us advise you on the best
tive date, check www.medicare.gov for your particular
plans for your individual needs.
circumstances.
ANNUAL ENROLLMENT PERIOD (AEP)
MEDICARE CAN SOUND LIKE ALPHABET SOUP!
October 15 thru December 7
So here is Medicare 101:
During this period people can make changes to their
Medicare has four parts: Parts A B C D
Medicare Advantage Plans or their Prescription Drug Plans.
When you get your Medicare card it will have Part A and Medicare Supplements do not play by these rules – you
also Part B (if you have applied for it) with your effective
can change Medicare supplements anytime of the year, but
dates for each part.
subject to medical underwriting.
Part A - covers some expenses if you are admitted to the
hospital. Part B - covers some expenses for services out
Please contact our office or visit our website if you would
of the hospital. To simplify, Medicare Part A and B will
like help in navigating the confusion of Medicare.
not cover all of these expenses. We are here to help you
understand what Medicare pays for and what it doesn’t
JB GROSS INSURANCE AGENCY
and how you can offset these expenses with a Medicare
1703 SANTA FE DRIVE
supplement or Medicare Advantage Plan.
WEATHERFORD, TX 76086
817-613-1098
Part C – known as Medicare Advantage plans. These poli- www.jbgross.com